Net worth increase 2022 (i.e. the 'present' you give yourself)

[LivingTheory]

You guys are rock stars! Very inspirational.

2010: ($18,000) [Student Loans]
2011: $25,000 [Got Married]
2012: $41,000
2013: $62,000 [Graduated - UCF]
2014: $108,000 [DW Graduated - UCF]

2015 will be our first full year as DINKs. Looking to max an HSA as well as both of our 401(k)'s and IRA's. Taking a hiking trip to CO might derail these plans slightly.

[tlsv]

Increase in investments only...we also have a fully paid home worth approx. $500k

2011 - $222,825
2012 - $314,917
2013 - $448,196
2014 - $606,251

[robotclown]

Jan 2010:   -6000
Jan 2011:          0   
Jan 2012:  14000
Jan 2013:  34000
Jan 2014:  56000
Jan 2015:  91000

[BlueMR2]

We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.

Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts. It's easy to preach the joys of investing during a historic bull.

I don't have my final numbers together, but it was a much better year than 2013.  My wife was able to finally find some part time work (not much, but being some place earning money is positive compared to being home consuming money).  We were able to cut expenses more despite some totally off the wall unexpected expenses.  The market is doing well (although, I'm happy either way while working since I'm either making money or buying in cheap).

The downside is that since things *have* gone so well, I don't trust the math as much...  Sure, it *says* I should be solidly able to retire in 2 more (of our old average) years, but...

The good news portion though is that I do still really like my work, so I don't have any plans on retiring right quick.  It's kind of a good feeling knowing that if my job goes away that we should be OK even if we never manage to find work again.  Which seems like a possibility as I know skilled people in my field that have been out of work for 5 years plus now.

[KMMK]

I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.

[dandarc]

I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.

Is there a lump-sum payout option?  If so, can his work provide a "what if I quit today" and give you the lump-sum he would receive?  If so, that's the number I would use.

[rob in cal]

   At the end of 2013 non real estate assets about 330k.
   At the end of 2014 non real estate assets about 385k.
   Much of the growth triggered by passive income, either from a loan repayment that I'm getting, business ownership income, or overall equities growth. 

   Home value probably went from 325 to 340k.

[Shamantha]

Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!

[Glenstache]

This is an inspiring thread both for seeing the people on the early parts of the curve making it happen and those that are close to reaching their goals. I bumped up about 21% this year, the lions share of which was aggressively paying down a 6% note on property (saved a lot by not going through a bank, with the associated fees would not make sense to refi as it is now so close to being paid down).

A more satisfying number for me is that the $ increase amount was roughly 3x my 2014 expenses (excluding note payments).

[Maxsc2003]

8/2010 - $(16)K
12/2010 - $9K
12/2011 - $50K
12/2012 - $118K
12/2013 - $210K
12/2014 - $372K
Good progress so far, only 29...looking to be over $1M in 3 yrs by 32. $40K more when adding DW.

[KMMK]

I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.

Is there a lump-sum payout option?  If so, can his work provide a "what if I quit today" and give you the lump-sum he would receive?  If so, that's the number I would use.

Yes, I believe there is. But he'd have to talk to HR or whoever about it, and I don't think I could get him to do so as it's not a priority right now as we're still a decade or more away from retirement. We keep our retirement planning separate so I stay out of his stuff for the most part - no nagging just for my anal tracking purposes. His numbers just stay a little vaguer than mine.

[Bateaux]

2013 : 1040945 Investments

2014:  1202000 Investments

Net:  161055 Investments

Debt 3013:  25000

Debt 2014:  0

Real estate:  400000 paid off no increase in value known

[Unique User]

Would doubt any real estate gains, but went from $747k last year to $874k this year.  Nice to see the numbers continue to go up!

[bwall]

Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!

Why do you see any chance for figures like this? In the NL you can live easily without a car--no depreciation, no insurance, no gasoline which means huge savings. Also, rents are lower, I think.

The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.

[savedough]

I do not include personal property (cars) in my net worth calculations and have not adjusted our home value from the purchase price since 2011 because it is the amount guaranteed if I get relocated - though the market shows we should expect a value increase. 

That being said, we are +88K this year over 2013. 

[boarder42]

2013: ~153k
2014: ~253k
House value not included.
Found mmm in January. Was a pretty damn good year.

[gskong]

Dec 2011 $407,757.07
Dec 2012 $530,002.13
Dec 2013 $722,921.34
12/27/14 $1,002,104.27

Hit the $1M milestone on 12/27/14.  Wife and I celebrated at the local Thai hole-in-the-wall.  Good times.

[NinetyFour]

CONGRATS!!!!!

[NICE!]

This is an extremely rough estimate because I've only just started (ie this year) to track things from a holistic perspective:

Early 2011: ~75k
Early 2012: <100k
Early 2013: ~160k
Early 2014: ~200k
Now: 230k

Best increase was '12 to '13. It looks like a deployment basically doubles my savings rate. However, this year was impressive because it included paying for a wedding and several expensive trips (some were not optional).

[frizzywhiskers]

Things are coming along nicely......

2012 - $457,388
2013 - $560,203
2014 - $637,679

Not too shabby considering we moved into a new home in 2013 and had lots of extra costs related to that.

Onward to 2015!

[wild wendella]

The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.

Also, there are plenty of people who don't really want to post their financial numbers online.  But for those who do,  there are some inspirational stories here.  Thanks!

Our NW showed a modest increase of 17.16% for the year, but the real win was paying off my revolving credit card debt.  So now I'm one step closer to being mustachian!

[HappyMargo]

2012 = 100,875
2013 = 148,175
2014 = 218,925

2014 was a good year!
-got a new job with a 36% increase in pay.
-opened my first Vanguard account!  YAY!!
-put my frugal muscles to work mid-way thru 2014  & flexed to the tune of 64% saving rate.  Should've done that the full year!
-Hope to bump my savings rate up to 70-72% over 2015.

[alex trebeck's mustache]

Age 32, Married, First kid on the way

2012: $74k
2013: $157k
2014: $289k

We had a great year. Networth IQ is a great place to track this sort of thing. Here is my profile:

https://www.networthiq.com/people/atl_programmer

That big bump is from selling some private company stock.

[Kansas Beachbum]

Dec 2011 $407,757.07
Dec 2012 $530,002.13
Dec 2013 $722,921.34
12/27/14 $1,002,104.27

Hit the $1M milestone on 12/27/14.  Wife and I celebrated at the local Thai hole-in-the-wall.  Good times.

Congrats on getting your second comma!  Well done!

[jesstach]

Dec. 2012: -$4,000
Dec. 2013: $30,088 (discovered MMM August 2013)
Dec. 2014: $78,064

[3Mer]

Not entirely happy with the past year's net worth increase.  Last year (2013) has been my best yet.  2015 is going to be much better.   I claim my daughter (and thusly also head of household) every other year, and have started adjusting my withholdings to minimize my refund, investing the extra money throughout the year instead.  That is part of the reason for the high increase in 2013.  I also switched jobs this year, and so am not vested in my 401K match yet.

Here's my results:

Year End Net Worth      Increase
2014   $307,837.29   $31,960.66
2013   $275,876.63   $71,950.08
2012   $203,926.55   $49,937.80
2011   $153,988.75   $29,848.12
2010   $124,140.63   $44,556.50

[sheepstache]

2012 $83,000
2013 $130,000
2014 $182,000

I kind of can't deal with my net worth more than doubling in two years. I only sock away about $26,000 a year so this is almost entirely the stock market's huge run up.

I actually worry now that when growth is more reasonable I'll get depressed and lose motivation.

[marty998]

I am at 330K.  My numbers for this year so far:

$14,200 debt -- paid off (the debt was a car loan and a 401K loan -- now I only owe my mortgage)
$30,000 in two 529 plans, funded
$16,000 in 401K plan, funded (I need to catch up to the full $17,500, and will asap -- just miscalculated re bonuses)
$17,000 in 401K plan, matched by employer (they give a full 10% match, but not on bonuses)
$10,000 in mortgage principal, paid off (I paid the regular amortization plus $100 or more toward principal each month)
$5600 HSA funded (older son's braces are now paid off, baby!)
$4000 employee stock purchase program (for every 85 shares I buy, employer gives me 15)

Not bad for a goddamned single mother.

Well done! Kudos to you

[Roland of Gilead]

Really has taken off during this bull market for most, eh?

It can't continue because everyone would be multi millionaires at the current levels of market returns.

15% a year for 10 years is 4x your money.  If you have a portfolio today of $1mil at age 40 you would have $4mil at age 50 with no more contributions.  Not going to happen IMO.  If it does happen, expect class warfare from those who are not invested in the markets.

[ShoulderThingThatGoesUp]

Not much of a change because we put some money into making 2015 a banner year - bought a smaller house that we're putting some fixes in to, etc.

[Runge]

If I'm just looking at my investment accounts (no house or checking/savings accts.), here's my end of year numbers:
2012: 1.4k
2013: 16.3k
2014: 17.0k

No much of an increase this year in that regard...but I did take out some money to buy a house. So if I include all my assets:
2012: 19.5k
2013: 41.8k
2014: 57.0k

Looks a bit better. Hopefully I'll breach 80k of total assets by the end of 2015. 100k by end of 2016.

[JD_]

Great thread.... Always encouraged by the progress and success of others here.....

Here's our figures, including value of our home (purchased in 2012). 

Oct 2010: -$9k   
Dec 2012: $80k
Dec 2013: $209k
Dec 2014: $323k

-JD

[3Mer]

Wow! That's a huge jump from 2013's year end to this year's.  Nice work!

2009: $100K
2010: $152K
2011: $208K
2012: $298K
2013: $445K
2014: $705K (as of 12/23/14)

[Cherry Lane]

My 2014 net worth increase is equal to my gross annual pay.  Does that mean I lived off gains in my investments?

If so, "Hello, FI.  Nice to meet you!"

[Frankies Girl]

Yeah, I was disappointed by the downturn today too. I would have been fine with it in January, just hated ending the year on a downer.

My net worth (just investments/cash holdings) increased $151K. It wasn't all market growth; sold my dad's house and my cut of profit was $43K, so total investment growth was just under $110K, but that is wonderful and I'm quite pleased overall.

[NinetyFour]

I was a bit disappointed today as well, but the good news is that I deferred all but 99 cents of my December paycheck ($5460) to my 403b, and it will land in an equity index fund while the market is low.

My increase in net worth for 2014 was still $125,092.

As Cherry Lane said, this increase was more than my gross income--does this imply FI?  I think I need a refresher about the definition of FI...

Anyway, hope you all have a great 2015!

[Primm]

My increase in net worth for 2014 was still $125,092.

As Cherry Lane said, this increase was more than my gross income--does this imply FI?  I think I need a refresher about the definition of FI...

Anyway, hope you all have a great 2015!

I would say that depends. Does the increase in your NW include what you saved to it for the year, or just the increase in your investment from capital gains, interest, dividends etc? I'd exclude the former to decide whether you are FI.

But that's just me, others may have different ideas.

[NinetyFour]

Does the increase in your NW include what you saved to it for the year, or just the increase in your investment from capital gains, interest, dividends etc?

Yes, it does. 

I'll figure out what the growth was without the contributions, and see if that covered my expenses for the year.  Thanks.

[AlexK]

It's really amazing to see the compounded returns in action!

my numbers:
investments=$660k (up $168k in 2014 and my salary is only $80k)
total NW=$782k (up $171k in 2014)

investments/expenses = 35 so a big facepunch for me if I don't fire the boss this year.

[Roots&Wings]

2012 - $219k
2013 - $315k
2014 - $418k as of today

Have been saving just over 80% of my income the past two years and it's making a big difference!

Update: Ended 2014 at $420k in investments (excludes house, car, possessions).  I'm running my portfolio analysis (Vanguard portfolio watch and Morningstar X-Ray) and getting my 2015 investment plan in place today.  FI is getting closer :) 

Inspiring to see what other's are doing!

[Roland of Gilead]

Update: Ended 2014 at $420k in investments (excludes house, car, possessions).

I know there are other threads on this, but why why why would you exclude your house in your net worth?

We fully paid off our house in 2014.  During 2013 and 2014 we made a total of $150,000 in extra lump sum payments on our mortgage to pay it off early.

A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?

[Roots&Wings]

Update: Ended 2014 at $420k in investments (excludes house, car, possessions).

I know there are other threads on this, but why why why would you exclude your house in your net worth?

I'm on this forum because I want to FIRE.  The value of my car, furniture or a house are not part of the equation for me.  As mentioned in another thread, some of us equate 'net worth' with our stashe, rather than the textbook definition.

[Roland of Gilead]

I'm on this forum because I want to FIRE.  The value of my car, furniture or a house are not part of the equation for me.  As mentioned in another thread, some of us equate 'net worth' with our stashe, rather than the textbook definition.

So you paid cash for your home and never had a loan?

If you did have a loan on your house, did you deduct the full loan from your net worth but not the value of the house? (and thus start with a very negative net worth?)

People who rent can't FIRE?

[RFAAOATB]

Approximate end of month numbers especially in regards to home value minus mortgage:

12/2011:  -21,454.61
12/2012:   30,524.88
12/2013:   75,132.59
12/2014:  118,931.06


Condo was assessed at 138k when we bought it early 2013.  I haven't checked to see its value since so kept it pegged there.  Paid ahead on mortgage so it's down to 117.8k.  Maxed out Roth IRA past 3 years and just started pre tax retirement at work.  2015 is looking to be a more expensive year with less income so am trying to come to terms with slower growth.  Hopefully it won't take another 18 years to get into the millionaire's club.

[NonprofitER]

We had our financial awakening in November 2013, so we're still new to improvements but careful budgeting and monthly net worth tracking has really helped.  Hoping the ball moves faster as we pay off the last of our hair-on-fire student loans this year and early 2016.

Dec 2012: $ -27,300
Dec 2013: $75,200
Dec 2014: $131,096 - it may well be higher as our home value has grown substantially, but I prefer to leave the value at a conservative constant for now.

We'd like to end 2015 close to $189,000. 

[sol]

A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?

Yes, your net worth dropped and so did your expenses.  You effectively spent part of your net worth to reduce your ongoing housing costs.

For the purposes most often discussed here, "net worth" refers to invested assets that can generate profits for you to use as living expenses.  Your house only does this if you intend to sell it, at which point you will have new housing costs.  In this way it's no different from any other cost-saving purchase, you've spent money up front to save money in the future.  But you've still spent the money today, so your net worth goes down today.

[kudy]

78k on the last day of 2013 to ~122k on the last day of 2014.

[Chaplin]

It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

[aj_yooper]

We are up 14% on the portfolio for the year.  Feeling good about that as we made no contributions-retired.

[mochila]

Up 24% for 2014. Quite a disappointment compared to 2013's 51%, but pretty great nevertheless.